Delaney Simchuk, Car Insurance Writer
Yes, insurance pays for bodily injuries if you have bodily injury liability coverage, personal injury protection (PIP), or MedPay as part of your car insurance policy. Almost every state requires at least bodily injury liability insurance, which pays for others’ medical expenses after an accident. The amount of coverage needed varies by state.
Types of Car Insurance That Cover Bodily Injuries
- Bodily injury liability (BI) insurance. If you are at fault for an accident that causes injuries to others, your bodily injury liability insurance will pay for their medical expenses, up to your policy limits. If you’re not at fault for an accident but you are injured, your injuries will likely be paid for by the at-fault driver’s insurer since almost every state requires BI coverage.
- Personal injury protection (PIP). PIP covers medical expenses for you and your passengers after a car accident, regardless of fault. It also covers other related expenses such as funeral expenses, lost income, and certain household services. PIP insurance is required in most no-fault states, but some other states do not even offer PIP coverage.
- Medical payments coverage (MedPay). Like PIP, MedPay covers medical expenses for you and your passengers after a car accident, regardless of fault. MedPay is required in Maine and New Hampshire.
It is important to note that if you live in a state where MedPay and PIP are not offered, your car insurance will not cover your own bodily injuries if you are at fault for an accident. In this case, your injuries may be covered by your health insurance.
To learn more, check out WalletHub’s guides to bodily injury liability insurance, personal injury protection, and MedPay.
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